Excite Credit Union Visa Travel Rewards Review

Excite Credit Union Visa Travel Rewards is a rewards credit card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Travel Rewards is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%.
• 4% Balance transfer fee. Excite Credit Union Visa Travel Rewards charges a fee of 4% on balance transfers, if you transfer the balance within 25 days of opening the account. After the introductory period, the fee is 21.24%. For example, a balance of $1,000 could cost $40 in transfer fees.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

The Good

The Bad

Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty on purchases. Travel accident and travel assistance insurance. Rewards bonus rate of up to Earn 3,000 bonus points with $300 of net purchases within the first 60 days.%. Cardholders can earn rewards on their purchases. Excite Credit Union Visa Travel Rewards reports to multiple credit bureaus.

Requires good to excellent credit. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Rewards bonus rate of only Earn 3,000 bonus points with $300 of net purchases within the first 60 days.% on most everyday purchases. Terms apply*. You don't earn rewards on every purchase. Charges a 4% balance transfer fee, if you transfer the balance within 25 days of opening the account. After the introductory period, the fee is 21.24% .

Is there a Excite Credit Union Visa Travel Rewards cash back or rewards program?

Excite Credit Union Visa Travel Rewards offers a rewards program to its customers.

Excite Credit Union Visa Travel Rewards Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	Earn 3,000 bonus points with $300 of net purchases within the first 60 days.x
Annual rewards limit	N/A

What are the Excite Credit Union Visa Travel Rewards benefits?

Excite Credit Union Visa Travel Rewards provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• Cellular Telephone Protection
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for Excite Credit Union Visa Travel Rewards?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Excite Credit Union Visa Travel Rewards has lower than average purchase APRs.

Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%. The card has a variable balance transfer APR that ranges from 11.90% up to 21.24%. It also has a variable cash advance APR that ranges from 11.90% up to 21.24%. Note that late payments are subject to an APR of 17.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Excite Credit Union Visa Travel Rewards?

The following fees apply to Excite Credit Union Visa Travel Rewards:

Excite Credit Union Visa Travel Rewards Fees

Fees	Amount
Annual Fee
Foreign Transaction Fee	3%
Returned Payment Fee	up to $25
Late Payment Fee	up to $10

Does Excite Credit Union Visa Travel Rewards report your account activity to credit bureaus?

Yes, Excite Credit Union Visa Travel Rewards reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Excite Credit Union Visa Travel Rewards

• Visit the Excite Credit Union Visa Travel Rewards website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.